BlastPoint's Credit Union Scorecard
GARY MUNICIPAL EMPLOYEES
Charter #16126 · IN
2556 CUs in <100M nationally
82 in IN
GARY MUNICIPAL EMPLOYEES has 5 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.89% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.56% below tier average
- - Efficiency ratio 9.40% above tier (higher cost structure)
- - Delinquency rate 2.54% above tier average
- - Member decline: -4.4% YoY
- - Net Charge-Off Rate: Bottom 2.0% in tier
- - Total Members: Bottom 2.3% in tier
- - Total Deposits: Bottom 2.3% in tier
- - Total Loans: Bottom 3.2% in tier
- - Total Assets: Bottom 3.3% in tier
- - Members Per Employee (MPE): Bottom 3.6% in tier
- - Average Member Relationship (AMR): Bottom 4.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
131
-4.4% YoY-0.8% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Bottom 2.2% in tier |
| Assets |
$526,087
-0.4% YoY-0.3% QoQ
|
$-29.6M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.3% in tier |
| Loans |
$131,087
+1.8% YoY-7.7% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.2% in tier |
| Deposits |
$295,916
-1.9% YoY-0.3% QoQ
|
$-25.4M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.3% in tier |
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| ROA |
0.1%
-95.3% YoY-113.4% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
5.8%
-3.1% YoY+1.9% QoQ
|
+1.9% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
Top 4.7% in tier |
| Efficiency Ratio |
92.0%
+27.0% YoY-14.1% QoQ
|
+9.4% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
4.1%
+710.7% YoY+6.7% QoQ
|
+2.5 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Top 8.3% in tier |
| Loan To Share |
44.3%
+3.8% YoY-7.4% QoQ
|
-16.3% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$3,260
+3.7% YoY-2.0% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.9% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
47
Net Worth Ratio
risk
Value:
41.99%
Peer Median: -
#47 of 2556
Top 1.8% in <100M tier
121
Net Interest Margin (NIM)
profitability
Value:
5.84%
Peer Median: -
#121 of 2556
Top 4.7% in <100M tier
Top Weaknesses (13 metrics)
2506
Net Charge-Off Rate
risk
Value:
4.48%
Peer Median: -
#2506 of 2556
Bottom 2.0% in <100M tier
2499
Total Members
engagement
Value:
131
Peer Median: -
#2499 of 2556
Bottom 2.3% in <100M tier
2498
Total Deposits
balance_sheet
Value:
$295,916
Peer Median: -
#2498 of 2556
Bottom 2.3% in <100M tier
2474
Total Loans
balance_sheet
Value:
$131,087
Peer Median: -
#2474 of 2556
Bottom 3.2% in <100M tier
2472
Total Assets
balance_sheet
Value:
$526,087
Peer Median: -
#2472 of 2556
Bottom 3.3% in <100M tier
2465
Members Per Employee (MPE)
engagement
Value:
43.667
Peer Median: -
#2465 of 2556
Bottom 3.6% in <100M tier
2432
Average Member Relationship (AMR)
engagement
Value:
$3,260
Peer Median: -
#2432 of 2556
Bottom 4.9% in <100M tier
2412
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,001
Peer Median: -
#2412 of 2556
Bottom 5.7% in <100M tier
2344
Total Delinquency Rate (60+ days)
risk
Value:
4.10%
Peer Median: -
#2344 of 2556
Bottom 8.3% in <100M tier
2076
Return on Assets (ROA)
profitability
Value:
0.06%
Peer Median: -
#2076 of 2556
Bottom 18.8% in <100M tier